Rhode Island 2026 Regular Session

Rhode Island House Bill H7520

Introduced
2/6/26  

Caption

Adds property damage to statutory underinsured motor coverage, rather than just uninsured motorist coverage, as it is presently.

Impact

The proposed changes are aimed at providing broader financial protection for Rhode Island drivers. Specifically, insured individuals will have the option of recovering damages for property losses incurred due to the actions of drivers who do not possess adequate insurance. This law augments state regulations regarding liability insurance, reaffirming the importance of comprehensive coverage options in protecting constituents from financial burdens arising from vehicle accidents.

Summary

House Bill H7520 seeks to amend existing laws regarding uninsured motorist coverage by extending coverage to include property damage caused by underinsured motorists. Currently, the legislation only covers bodily injury and death resulting from accidents involving uninsured vehicles. By incorporating property damage under this statutory coverage, the bill enhances protections for insured drivers who find themselves victims of accidents caused by underinsured vehicles.

Contention

Notably, there may be contention surrounding this bill, particularly from insurers who might argue against mandatory property damage coverage, citing potential increases in insurance premiums. Discussions among legislators could reveal differing opinions on whether the amendment would ultimately benefit consumers or result in undue financial strain on the insurance market. Additionally, concerns about how the implementation of this bill could affect available coverage options for motorists may also emerge amid debates.

Companion Bills

No companion bills found.

Previously Filed As

RI H6079

Restricts private vehicle property damage insurance coverage for a rental passenger vehicle, to the named insured and drivers on that private policy, unless the designated driver is specifically excluded.

RI S0985

Restricts private vehicle property damage insurance coverage for a rental passenger vehicle, to the named insured and drivers listed on that private policy, unless the designated driver is specifically excluded.

RI S0574

Provides that a hearing required before a judge or magistrate may adjudge a motorist in contempt for failure to comply with the court's orders regarding a conditional hardship license, and defines penalties for violation of a hardship/interlock order.

RI H5896

Provides that a hearing required before a judge or magistrate may adjudge a motorist in contempt for failure to comply with the court's orders regarding a conditional hardship license, and defines penalties for violation of a hardship/interlock order.

RI H5190

Amends the definition of a "houseboat" to include motorized or non-motorized vessels.

RI S0260

Amends the definition of a "houseboat" to include motorized or non-motorized vessels.

RI H5089

Amends the definition of a "houseboat" to include motorized or non-motorized vessels.

RI H5657

Prohibits the division of motor vehicles from placing on a motorist's driving record, a traffic violation which fine has been paid no longer than thirty (30) days after its issuance. This procedure would only be utilized twice per year.

RI H5932

Increases the minimum claim amount necessary to require a matter involving motor vehicle liability be submitted to mandatory arbitration.

RI H6053

Makes it an unfair claims practice for insurer to designate a motor vehicle a total loss if the cost to repair motor vehicle to its pre-accident condition is less than 75% to 80% of the fair market value.

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